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Archive for June, 2019

More trimming

June 29th, 2019 at 07:22 am

I am still on the quest to trim some expenses from our budget. It occurred to me last night to check if Spectrum, internet provider of our Florida home, provides seasonal suspension of services. I was pleased to find out that for a $4.99 fee, I can suspend services temporarily. I already set it up for a $45 per month savings during the time that we are away.

We are going with creditcardfree suggestion of getting an antenna. Our cable and internet bill is truly out of control. I am reevaluating all of our negotiable expenses to trim as much as we can.

I also realized that I really need to stop cooking as if I was feeding an army. Too much food waste!

Trimming the fat from the budget

June 28th, 2019 at 01:18 pm

Trying to trim the fat off our budget. No more Amazon Prime, don't use it enough to keep it. I can buy milk, bread and eggs for a month with the nearly $14 I spend on that. Some may say that it's chump change but to me it's not. I asked my husband to call Geico and see how we can save some money on auto/HO/Umbrella Policy. My son's car is under my husband's name. Next week, we will turn the title over to him and he will have to secure insurance under his name. He pays us for his portion but we don't need a liability especially now that he is 25 years old and can get insurance at a reasonable rate. Next, is the ridiculous cable bill.

Done

June 20th, 2019 at 12:17 pm

Well, I'm done. My last day at work was today. I received a "live check" as they want to make sure I returned the school issued computer, keys and ID card. I am not going to lie, I cried a bit on my way home. I spent 13 years of life there. I do feel a huge relief and a weight off my shoulders. Financially speaking it will be tight but I feel confident that we will make it work.

Get together and updates

June 17th, 2019 at 04:54 pm

My coworkters surprised me with a farewell get together. I felt special and overwhelmed at the same time. I don't like having all the attention. We had delicious cake and I was gifted a beautiful necklace from the Staff Club and a few other individual gifts. The education association gifted me $100. I also received a certificate of appreciation. It was indeed a very nice day for me. Three more days and that's it for me. I'm sure I will work in a school setting again but I'm not sure at a teacher capacity. That is, unless something changes in our lives. Never say never!

I'll get my last check on Thursday and sick time payout next month. I'll be joining the Uber Frugal Month Challenge for the month of July at Frugalwoods.com as I will have to be super resourceful from this point forward.
I also joined freecycle.com and I already put a "wanted" post for a compost tumbler and cloth napkins. Someone already responded and I'm getting a free compost tumbler on Sunday. My husband will be picking it up for me because I'll be away come Friday.

P.S. On my second month of no electric bill. For some reason (maybe too many calculated bills)last month we had a $69 credit and this month a $16 credit. Feeling excited!

Work/Retro Pay/Dad's Day

June 14th, 2019 at 10:09 am

Today is my last Friday at work. Last night two of my coworkers took me out to dinner and today another coworker covered my lunch. Smile I feel loved!

I've also been getting notes from students telling me how much they will miss me and thanking me for being kind. Smile

Today is also pay day and it turns out (after some inquiry) my husband received retro pay today. That added a nice chunk of change to our savings. This is our last ditch effort to boost savings as much as possible. One more payroll check and my job after that is conserving and living with our super reduced income. I'm okay with that; I've noticed how my stress levels have gone down significantly after I gave notice at work.

For Father's Day, we are grilling outside (ribs and steak). We are also buying my husband good beer as a treat. My husband is a low maintenance guy who gives everything to us and all he asks is for a few beers here and there.

Happy Father's Day to all of the Dad's here.

Stretching our money

June 9th, 2019 at 04:25 pm

I make most our meals from scratch, but we buy a lot of prepared snacks and those tend to be pricey. I am now force to reduce/eliminate them from our grocery budget as I really need to stretch our money. Today, I made homemade granola and banana bread muffins with chocolate sprinkles in the batter. Initially, the intention was to make granola bars but it did not work out. I opted to have it as granola crumbles. It is indeed delicious. I have chocolate sprinkles sitting in the cupboard for a while and I decided to add about half of a cup to the banana batter. The muffins are amazing!

Snacks for this week will be: apples, bananas, homemade granola and banana with chocolate sprinkles muffins.

Allergies and change of heart (hubby)

June 7th, 2019 at 11:27 am

This is the second round of horrible allergies for me. It took me over a week to feel some relief the first time. I can honestly say that I feel horrible. I placed a refill order of the nasal spray. I am tired of taking allergy medicine though. It makes me feel loopy and I feel as dry as a dessert.

Eight work days left for me. Husband confessed to me that he is having a real hard time leaving the boys (men) behind. I understand him, but I reminded him that for me is a quality of life issue as I suffer from Seasonal Affective Disorder during the winter. We came to a compromise that I will make several trips to Florida during the winter months
and he will have to get use to me not being there all the time and he agreed. He just needs a little more time to come to terms with it. He is a tough guy, but a softy when it comes to his kids. Besides, he may change his mind about it later on. I'm not worry about it at all. Unless he changes his mind, he will work another year.

Short/Long term planning

June 2nd, 2019 at 11:35 am

As of July 1st, we will have to make do with a substantial income reduction. We are going from over $7K to less than $3K. Somehow, we managed to prepare somewhat for these changes. Technically, we have about three years of bare bones expenses covered and I can always go back to work if need be. I'll enjoy the ride until it ends. It helps that we are accustomed to a simple and frugal lifestyle and we probably won't be missing much. Yet, I feel so very blessed.

We pretty much do most of the home maintenance ourselves with the exception of major repairs. Heck, my husband has managed to even replaced a sewer ejecting pump with the help of our DS#2. That was a very "messy", backbreaking and tedious job. All car maintenance is done by husband and son as well. As I write this, my hubby is power washing the winter grime from the siding and the windows. He really does it all!

The plan is to pay off our Florida home within the next 5 years by selling one of the rental properties. I will seek temporary employment the months that we are not in Florida. Any extra earnings will go to retirement funds, savings and to boost our monthly bottom line. I'll be 50 years old in late summer and husband is 60 years old.